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If the damge wasnt there before the repo, the repo company will be At Fault as long as you notified the finance company and told them the car was damaged upon pickup. When you picked up your car they should have asked you to check the vehicle for damage before you left the property. If not and you left already it will be pretty hard to prove to them that it wasnt you.

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Q: I had my car repo'ed on 823 and retrieved it today 831 and upon pick up I noticed damaged front right fender Who is responsible for damages?
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